Cheapest Insurance Rates for 2021 Models [Cost + Rankings]

The crop of 2021 vehicle models comes with a host of standard safety and crash-prevention technologies. But do those features translate into cheaper insurance rates?

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As big of a wreck as 2020 was, 2021 is shaping up to be a good year for the automotive industry. Completely new models include the Ford Bronco, Kia Seltos, Chevy Trailblazer, Genesis GV80, and the Toyota Venza. Exciting redesigns include the Nissan Rogue, Toyota Sienna, Hyundai Elantra, Kia Sorento, and the fleet of large GM SUVs like the Tahoe, Suburban and Yukon.

As with any new or used vehicle, insurance cost should be a consideration when determining how the vehicle fits into the monthly budget. We took all the 2021 models and ranked them by insurance cost and grouped them by vehicle class so you can see which 2021 vehicles have the cheapest insurance rates.

Cheapest Small Car – 2021 Chevrolet Spark

Drivers can expect to pay on average around $1,268 per year, $634 for a 6-month policy, or $106 per month for full coverage insurance on a Chevrolet Spark. It costs $193 less per year on average as compared to other small cars. The Chevrolet Spark ranks first out of a total of 23 vehicles in our small car insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Cars to Insure for 2021
Top 10 Cheapest Small Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Spark$1,160$580$97
Kia Rio5$1,222$611$102
Toyota Corolla$1,232$616$103
Volkswagen Golf$1,268$634$106
Subaru Impreza$1,300$650$108
Nissan Sentra$1,332$666$111
Mazda 3$1,338$669$112
Honda Civic$1,364$682$114
Kia Rio$1,376$688$115
Hyundai Accent$1,388$694$116

Cheapest Midsize Car – 2021 Honda Insight

Coming in at around $1,396 per year for full coverage insurance, the Honda Insight is the cheapest in the midsize car segment. This is around $116 per month and is $144 less per year when compared to the average insurance rate for the segment as a whole. Out of a total of 13 vehicles in our midsize car insurance comparison, the Honda Insight takes the top spot.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Cars to Insure for 2021
Top 10 Cheapest Midsize Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Honda Insight$1,372$686$114
Mazda 6$1,396$698$116
Chevrolet Malibu$1,416$708$118
Toyota Camry$1,498$749$125
Subaru Legacy$1,506$753$126
Volkswagen Passat$1,510$755$126
Honda Accord$1,514$757$126
Nissan Altima$1,522$761$127
Kia K5$1,548$774$129
Volkswagen Arteon$1,638$819$137

Cheapest Large Car – 2021 Kia Cadenza

The Kia Cadenza takes first place in what’s left of the dwindling large car segment. Costing around $1,494 per year, $747 for a 6-month policy, or $125 per month for full coverage insurance, it costs $178 less per year on average when compared to the segment average. Read the full large car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large Cars to Insure for 2021
Cheapest Large Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Kia Cadenza$1,494$747$125
Chrysler 300$1,594$797$133
Toyota Avalon$1,612$806$134
Nissan Maxima$1,668$834$139
Dodge Charger$1,992$996$166

Cheapest Small SUV – 2021 Mazda CX-3

Drivers can expect insurance rates on a Mazda CX-3 to cost around $1,306 per year  or $109 per month for full coverage. On average, it costs $49 less per year when compared to the entire small SUV class. The Mazda CX-3 ranks first out of a total of 42 vehicles in our small SUV insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small SUVs to Insure for 2021
Top 10 Cheapest Small SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mazda CX-3$1,154$577$96
Honda CR-V$1,196$598$100
Mazda CX-5$1,212$606$101
Mazda CX-30$1,216$608$101
Ford Ecosport$1,224$612$102
Toyota C-HR$1,224$612$102
Nissan Rogue Sport$1,234$617$103
Chevrolet Trax$1,242$621$104
Buick Envision$1,244$622$104
Mitsubishi Eclipse Cross$1,250$625$104

Cheapest Midsize SUV – 2021 Ford Edge

Ranking #1 in the midsize SUV class is the Ford Edge at around $1,260 per year. It costs $225 less per year on average to insure a Ford Edge compared to the overall average rate for the midsize SUV segment. Rankings for all 27 vehicles can be found in our midsize SUV insurance comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize SUVs to Insure for 2021
Top 10 Cheapest Midsize SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Ford Edge$1,260$630$105
Honda Passport$1,278$639$107
Chevrolet Blazer$1,288$644$107
Kia Telluride$1,296$648$108
Volkswagen Atlas$1,306$653$109
Subaru Ascent$1,316$658$110
Nissan Murano$1,360$680$113
Honda Pilot$1,364$682$114
Buick Enclave$1,418$709$118
Hyundai Palisade$1,422$711$119

Cheapest Large SUV – 2021 Chevrolet Tahoe

Plan on paying around $1,548 per year to insure a Chevrolet Tahoe, the cheapest large SUV in our comparison. When compared to all large SUVs, it costs $55 less per year on average for full coverage. Check out our complete large SUV insurance comparison report.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large SUVs to Insure for 2021
Cheapest Large SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Tahoe$1,536$768$128
Toyota Sequoia$1,548$774$129
Ford Expedition$1,614$807$135
Chevrolet Suburban$1,620$810$135
Nissan Armada$1,632$816$136
GMC Yukon$1,666$833$139

Cheapest Midsize Truck – 2021 Chevrolet Colorado

Taking top honors in the midsize truck category is the Chevrolet Colorado. Drivers can expect to pay on average around $1,316 per year, $658 for a 6-month policy, or $110 per month for full coverage. It costs $41 less per year on average as compared to other midsize trucks. For more info, see our complete midsize truck insurance cost article.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Midsize Truck to Insure for 2021
Cheapest Midsize Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Colorado$1,232$616$103
Toyota Tacoma$1,316$658$110
Ford Ranger$1,324$662$110
Nissan Frontier$1,326$663$111
GMC Canyon$1,420$710$118
Jeep Gladiator$1,436$718$120
Honda Ridgeline$1,446$723$121

Cheapest Large Truck – 2021 Ford F150

Coming in first overall in the large truck class is the 2021 Ford F150 at an estimated $1,482 per year. That equates to $741 for a 6-month policy, or $124 per month. When compared to the average for the entire large truck segment, the Ford F150 is approximately $82 less per year. For the complete report, see the large truck insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Large Truck to Insure for 2021
Cheapest Large Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Ford F150$1,482$741$124
Toyota Tundra$1,528$764$127
GMC Sierra$1,558$779$130
Nissan Titan$1,578$789$132
Ram Truck$1,606$803$134
Chevrolet Silverado$1,632$816$136

Cheapest Heavy Duty Truck – 2021 Chevrolet Silverado HD 3500

In the heavy duty truck comparison, the Chevrolet Silverado HD 3500 has the best overall insurance rate at around $1,796 per year. On average, it costs $19 more per year when compared to all trucks in the heavy duty class.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Cheapest Heavy Duty Truck to Insure for 2021
Cheapest Heavy Duty Truck to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Chevrolet Silverado HD 3500$1,670$835$139
Nissan Titan XD$1,674$837$140
GMC Sierra 2500 HD$1,742$871$145
Chevrolet Silverado HD 2500$1,748$874$146
GMC Sierra 3500$1,794$897$150
Ford F350 Super Duty$1,796$898$150
Ford F250 Super Duty$1,806$903$151
Ram Truck 2500$1,814$907$151
Ford F450 Super Duty$1,854$927$155
Ram Truck 3500$1,868$934$156

Cheapest Sports Car – 2021 Mazda MX-5 Miata

The cheapest 2021 sports car to insure is the Mazda MX-5 Miata at around $1,288 per year, or $107 per month for full coverage insurance. It costs $822 less per year when compared to the average insurance cost for the entire segment. All 24 vehicles in the class are compared in our sports car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Sports Cars to Insure for 2021
Top 10 Cheapest Sports Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mazda MX-5 Miata$1,288$644$107
Ford Mustang$1,572$786$131
BMW Z4$1,600$800$133
Audi TT$1,674$837$140
Toyota Supra$1,688$844$141
Subaru WRX$1,698$849$142
Nissan 370Z$1,726$863$144
BMW M2$1,810$905$151
Subaru BRZ$1,816$908$151
Porsche 718$1,844$922$154

Cheapest Small Luxury Car – 2021 Mercedes-Benz A220

Drivers can expect to pay on average around $1,440 per year, $720 for a 6-month policy, or $120 per month for full coverage insurance on a Mercedes-Benz A220. It costs $252 less per year on average as compared to other small luxury cars. The Mercedes-Benz A220 ranks first out of a total of 17 vehicles in our small luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Luxury Cars to Insure for 2021
Top 10 Cheapest Small Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Mercedes-Benz A220$1,440$720$120
Volvo S60$1,558$779$130
BMW 330i$1,594$797$133
Cadillac CT4$1,612$806$134
Acura TLX$1,624$812$135
Lexus RC 350$1,636$818$136
BMW i3$1,646$823$137
BMW 230i$1,654$827$138
Alfa Romeo Giulia$1,676$838$140
Genesis G70$1,678$839$140

Cheapest Midsize Luxury Car – 2021 Acura ILX

The cheapest 2021 midsize luxury car to insure is the Acura ILX with at an estimated average cost of $1,380 per year. When compared to the average insurance rate for the entire segment, it costs around $611 less per year. The Acura ILX ranks first out of a total of 34 vehicles in our midsize luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Luxury Cars to Insure for 2021
Top 10 Cheapest Midsize Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Acura ILX$1,380$690$115
Lexus RC 300$1,584$792$132
Lexus ES 350$1,636$818$136
Mercedes-Benz AMG CLA45$1,644$822$137
Lexus IS 300$1,666$833$139
Audi A3$1,692$846$141
Cadillac CT5$1,720$860$143
Audi S5$1,764$882$147
Mercedes-Benz E350$1,818$909$152
Lexus ES 300H$1,844$922$154

Cheapest Large Luxury Car – 2021 Audi A5

Drivers can expect to pay on average around $1,670 per year, or $139 per month, for full coverage insurance on a 2021 Audi A5. It costs $676 less per year on average as compared to other large luxury cars. The full rankings of large luxury cars can be found in our large luxury car insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Large Luxury Cars to Insure for 2021
Top 10 Cheapest Large Luxury Cars to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Audi A5$1,670$835$139
Volvo S90$1,782$891$149
Lexus LS 500H$2,006$1,003$167
Kia K900$2,046$1,023$171
Lexus LS 500$2,108$1,054$176
Mercedes-Benz AMG E53$2,144$1,072$179
Genesis G90$2,156$1,078$180
Infiniti Q60$2,156$1,078$180
Mercedes-Benz AMG CLS53$2,202$1,101$184
BMW 840i$2,252$1,126$188

Cheapest Small Luxury SUV – 2021 Acura RDX

For small luxury SUVs, the 2021 Acura RDX comes in with the best insurance cost at $1,266 per year. It costs $336 less per year on average as compared to other small luxury SUVs. The Acura RDX ranks first out of a total of 25 vehicles in our small luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Small Luxury SUVs to Insure for 2021
Top 10 Cheapest Small Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Acura RDX$1,266$633$106
Cadillac XT4$1,306$653$109
Volvo XC40$1,336$668$111
Lincoln Corsair$1,476$738$123
Lexus UX 250h$1,486$743$124
Volvo XC60$1,502$751$125
BMW X1$1,524$762$127
Lexus UX 200$1,524$762$127
Mercedes-Benz GLB 250$1,524$762$127
Lexus NX 300$1,534$767$128

Cheapest Midsize Luxury SUV – 2021 Volvo V60

Ranked #1 in the midsize luxury SUV segment, insurance rates for the Volvo V60 cost around $1,594 per year, or $133 per month, for full coverage. When compared to the overall average rate for the class, it costs around $133 less per year. The Volvo V60 ranks first out of a total of 30 vehicles in our midsize luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Midsize Luxury SUVs to Insure for 2021
Top 10 Cheapest Midsize Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Volvo V60$1,420$710$118
Cadillac XT5$1,450$725$121
Lincoln Nautilus$1,494$747$125
Lexus RX 350$1,518$759$127
Infiniti QX50$1,528$764$127
Jaguar E-Pace$1,536$768$128
Lexus RX 350L$1,564$782$130
Cadillac XT6$1,578$789$132
Acura MDX$1,594$797$133
Genesis GV80$1,626$813$136

Cheapest Large Luxury SUV – 2021 Volvo XC90

In the large luxury SUV class, the award for the cheapest insurance rate goes to the Volvo XC90. A full coverage policy will cost around $1,584 per year, or $132 per month. It costs $560 less per year on average as compared to other large luxury SUVs. The Volvo XC90 ranks first out of a total of 11 vehicles in our large luxury SUV insurance cost comparison.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for 2021 model years with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged across all U.S. states. Rates are also averaged for all trim levels for each model.
Top 10 Cheapest Large Luxury SUVs to Insure for 2021
Top 10 Cheapest Large Luxury SUVs to Insure for 2021
Make/Model Annual Policy 6-month Policy Per Month
Volvo XC90$1,584$792$132
BMW X7$1,844$922$154
Lincoln Navigator$1,858$929$155
Toyota Land Cruiser$1,902$951$159
Cadillac Escalade$1,932$966$161
Mercedes-Benz GLS450$1,994$997$166
Lexus LX 570$2,206$1,103$184
Mercedes-Benz AMG GLS63$2,410$1,205$201
Land Rover Range Rover$2,476$1,238$206
Mercedes-Benz G550$2,486$1,243$207